Ukukhulisa Utshalomali Lwakho: Ukuqonda Isilinganiso se-DSCR Sabantu Bangaphandle Abatshala Imali Endaweni Ethengiswayo YaseMelika

Ukutshala imali ku-Real estate yase-US kungaba yithuba elinenzuzo kubantu bangaphandle. Kodwa-ke, ukuzulazula ezinkingeni zokuthola imali kungaba inselele, ikakhulukazi uma kuziwa ekuqondeni I-Debt Service Coverage Ratio (I-DSCR). Lesi sihloko sihlose ukucacisa isilinganiso se-DSCR kanye nokubaluleka kwayo kubantu bangaphandle abafuna ukutshala imali ezakhiweni zaseMelika.

Iyini i-DSCR Ratio?

Isilinganiso se-DSCR, noma I-Debt Service Coverage Ratio, iyimethrikhi ebalulekile esetshenziswa ababolekisi ukuhlola ikhono lendawo yokutshalwa kwezimali ukumboza izibopho zayo zezikweletu. Empeleni, ikala imali engenayo yokusebenza yendawo (NOI) ngokuqhathaniswa nesamba sesevisi yesikweletu sayo. Isilinganiso se-DSCR sika-1.0 sibonisa ukuthi indawo ingenisa imali engenayo eyanele ukukhokhela izinkokhelo zayo zezikweletu, kuyilapho isilinganiso esingaphezu kuka-1.0 sibonisa iphozithivu.Ukungena kwemali, futhi isilinganiso esingaphansi kuka-1.0 sibonisa ukushoda okungaba khona.

Kungani Isilinganiso se-DSCR Sibalulekile Kubantu Bangaphandle?

Kubantu bakwamanye amazwe, ukuqonda isilinganiso se-DSCR kubalulekile ngezizathu ezimbalwa. Okokuqala, kuyasiza ekuhloleni impilo yezezimali yendawo engaba khona yokutshalwa kwezimali. Isilinganiso esiphezulu se-DSCR sisho ubungozi obuphansi kubabolekisi, okwenza kube lula kubantu bangaphandle ukuthi bathole uxhaso lwezimali. Okwesibili, isilinganiso esiqinile se-DSCR singaholela emigomeni engcono yemalimboleko, njengezinga lenzalo eliphansi namanani emalimboleko aphezulu, okungathuthukisa kakhulu inzuzo yokutshalwa kwezimali.

Ungabala kanjani i-DSCR Ratio

Ukubala isilinganiso se-DSCR kuhilela ifomula eqondile:

Isilinganiso se-DSCR=Isamba Semali Engenayo Yokusebenza (NOI)Isamba Sesevisi YesikweletuIsilinganiso se-DSCR=Isevisi Yesikweletu EsipheleleIsamba Semali Engenayo Yokusebenza (NOI).

Isibonelo, uma indawo ikhiqiza u-$100,000 ku-NOI futhi inezinkokhelo zezikweletu zonyaka ezingu-$80,000, isilinganiso se-DSCR singaba:

Isilinganiso se-DSCR=100,00080,000=1.25Isilinganiso se-DSCR=80,000100,000.=1.25

Lesi silinganiso sibonisa ukuthi indawo ingenisa imali engu-25% ngaphezulu kunesidingo ukuze imboze izibopho zayo zezikweletu, okuwuphawu oluhle kubabolekisi.

Amathiphu Abantu Bangaphandle Okuthuthukisa Isilinganiso se-DSCR

1. Khulisa Imali Yokuqasha: Ukuthuthukisa ukukhanga kwendawo ngokulungisa kabusha noma ukumaketha kwamasu kungaheha abaqashi abakhokha kakhulu.
2. Yehlisa Izindleko Zokusebenza: Ukusebenzisa izindlela zokonga kungakhuphula i-NOI, ngaleyo ndlela kuthuthukise isilinganiso se-DSCR.
3. Isikweletu se-Refinance: Ukuxoxisana ngemibandela yemalimboleko engcono noma ukubuyisela isikweletu esikhona ngamanani enzalo aphansi kunganciphisa isamba sesevisi yesikweletu.

Isiphetho

Kubantu bakwamanye amazwe, ukuqonda okuphelele kwesilinganiso se-DSCR kubalulekile lapho utshala izimali ezithengiswayo zase-US. Le metric ayithinti kuphela ikhono lokuvikela uxhaso kodwa futhi inomthelela kuyo yonke inzuzo ye-investimenti. Ngokugxila ekuthuthukiseni isilinganiso se-DSCR, abatshalizimali bakwamanye amazwe bangathuthukisa amathuba abo okuphumelela emakethe yezindlu yase-US eqhudelanayo.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS; ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume. Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe. Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye. Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile. Tshala imali ngokufanele ngokuzifaka engozini.